Patelco Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Patelco Credit Union's highest CD (share certificate) rate is 4.25% APY on a 7-month promotional CD ($250 minimum). That is 3.1 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 3.00% to 3.50% APY.
Tracking began .
Patelco Credit Union CD & share certificate rates
| Term | Product | APY |
|---|---|---|
| 3 months | Certificate | 3.00%Verified October 22, 2026 |
| 6 months | Certificate | 3.00%Verified October 22, 2026 |
| 7 months | Certificate Promotional | 4.25%Verified October 22, 2026 |
| 8 months | Certificate Promotional | 4.00%Verified October 22, 2026 |
| 12 months | Certificate | 3.00%Verified October 22, 2026 |
| 13 months | Certificate Promotional | 4.15%Verified October 22, 2026 |
| 18 months | Certificate | 3.00%Verified October 22, 2026 |
| 24 months | Certificate | 3.00%Verified October 22, 2026 |
| 36 months | Certificate | 3.00%Verified October 22, 2026 |
| 48 months | Certificate | 3.25%Verified October 22, 2026 |
| 60 months | Certificate | 3.50%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.25% APY (7 months). The standard rate for a similar term is 3.00% APY (6 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $125 less per year. Check the account terms and set a reminder before maturity.
What are Patelco Credit Union's best CD rates by term?
Patelco Credit Union's best rate is 4.25% APY on 7 months, verified October 22, 2026.
- 3 mo3.00%
- 6 mo3.00%
- 7 mo4.25%
- 8 mo4.00%
- 12 mo3.00%
- 13 mo4.15%
- 18 mo3.00%
- 24 mo3.00%
- 36 mo3.00%
- 48 mo3.25%
- 60 mo3.50%
How much interest could a Patelco Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $36.983.00% APY · Certificate · Standard | $73.973.00% APY · Certificate · Standard | $184.923.00% APY · Certificate · Standard | $369.833.00% APY · Certificate · Standard |
| 6 months | $74.653.00% APY · Certificate · Standard | $149.303.00% APY · Certificate · Standard | $373.263.00% APY · Certificate · Standard | $746.513.00% APY · Certificate · Standard |
| 7 months | $122.934.25% APY · Certificate · Promotional | $245.864.25% APY · Certificate · Promotional | $614.654.25% APY · Certificate · Promotional | $1,229.314.25% APY · Certificate · Promotional |
| 12 months | $150.003.00% APY · Certificate · Standard | $300.003.00% APY · Certificate · Standard | $750.003.00% APY · Certificate · Standard | $1,500.003.00% APY · Certificate · Standard |
| 18 months | $226.893.00% APY · Certificate · Standard | $453.783.00% APY · Certificate · Standard | $1,134.453.00% APY · Certificate · Standard | $2,268.913.00% APY · Certificate · Standard |
| 24 months | $304.503.00% APY · Certificate · Standard | $609.003.00% APY · Certificate · Standard | $1,522.503.00% APY · Certificate · Standard | $3,045.003.00% APY · Certificate · Standard |
| 60 months | $938.433.50% APY · Certificate · Standard | $1,876.863.50% APY · Certificate · Standard | $4,692.163.50% APY · Certificate · Standard | $9,384.323.50% APY · Certificate · Standard |
How Patelco Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 213-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 2 of 16 tracked institutions with fresh 213-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Patelco Credit Union (this institution)Certificate · Promotional | 7 months | $250 | Coverage: CA | 4.25% | October 22, 2026 |
| Wells FargoSpecial Fixed Rate CD · Relationship | 7 months | $5,000 | San Francisco, CA · ZIP 94105 | 4.10% | October 22, 2026 |
| Bank of AmericaFeatured CD & IRA CD · Promotional | 7 months | $100,000 | San Francisco, CA · ZIP 94105 | 4.00% | October 22, 2026 |
| EverBankEverBank Performance® CDs · Standard | 7 months | Not stated | Nationwide; check eligibility | 3.60% | October 22, 2026 |
| Consumers Credit Union (highest tracked APY for this term)Super Jumbo Certificate · Promotional | 7 months | $250,000 | Coverage: IL | 4.45% | October 22, 2026 |
| Treasury (APY-equivalent) | 7 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.43% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Patelco Credit Union on October 22, 2026.
About Patelco Credit Union
- Legal name
- Patelco Credit Union
- Regulator ID
- NCUA 68579
- Headquarters
- Dublin, CA
- Available in
- CA
- Total assets
- $9.8 billion
- Also known as
- Patelco
- Website
- www.patelco.org
Source: rates read from https://www.patelco.org/checking-and-savings/savings-accounts/share-certificates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Patelco Credit Union?
4.25% APY on a 7-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Patelco Credit Union CD?
The lowest minimum we found is $250.
How does Patelco Credit Union's best CD rate compare with Treasury yields?
4.25% APY is −0.18% versus the 7-month Treasury yield of 4.43% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.25% a good CD rate?
It is 3.1 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Patelco Credit Union CDs insured?
Patelco Credit Union is a federally insured credit union (NCUA 68579). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Patelco Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Patelco Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Patelco Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Patelco Credit Union before opening an account. This page is not financial advice.